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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 5.10
HFWA's Cash to Debt is ranked higher than
54% of the 1162 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.79 vs. HFWA: 5.10 )
Ranked among companies with meaningful Cash to Debt only.
HFWA' s Cash to Debt Range Over the Past 10 Years
Min: 0.47  Med: 6.89 Max: No Debt
Current: 5.1
Equity to Asset 0.13
HFWA's Equity to Asset is ranked higher than
75% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. HFWA: 0.13 )
Ranked among companies with meaningful Equity to Asset only.
HFWA' s Equity to Asset Range Over the Past 10 Years
Min: 0.09  Med: 0.13 Max: 0.23
Current: 0.13
0.09
0.23
Interest Coverage 8.27
HFWA's Interest Coverage is ranked higher than
89% of the 1543 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.64 vs. HFWA: 8.27 )
Ranked among companies with meaningful Interest Coverage only.
HFWA' s Interest Coverage Range Over the Past 10 Years
Min: 0.01  Med: 1.86 Max: 8.38
Current: 8.27
0.01
8.38
F-Score: 4
M-Score: -2.39
WACC vs ROIC
5.76%
9.77%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 30.99
HFWA's Operating margin (%) is ranked lower than
51% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.23 vs. HFWA: 30.99 )
Ranked among companies with meaningful Operating margin (%) only.
HFWA' s Operating margin (%) Range Over the Past 10 Years
Min: 0.15  Med: 24.12 Max: 36.42
Current: 30.99
0.15
36.42
Net-margin (%) 22.91
HFWA's Net-margin (%) is ranked higher than
51% of the 1680 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.64 vs. HFWA: 22.91 )
Ranked among companies with meaningful Net-margin (%) only.
HFWA' s Net-margin (%) Range Over the Past 10 Years
Min: 1.15  Med: 17.18 Max: 24.12
Current: 22.91
1.15
24.12
ROE (%) 7.81
HFWA's ROE (%) is ranked lower than
55% of the 1675 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.42 vs. HFWA: 7.81 )
Ranked among companies with meaningful ROE (%) only.
HFWA' s ROE (%) Range Over the Past 10 Years
Min: -0.54  Med: 6.37 Max: 14.57
Current: 7.81
-0.54
14.57
ROA (%) 1.03
HFWA's ROA (%) is ranked higher than
60% of the 1684 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. HFWA: 1.03 )
Ranked among companies with meaningful ROA (%) only.
HFWA' s ROA (%) Range Over the Past 10 Years
Min: 0.06  Med: 0.90 Max: 1.32
Current: 1.03
0.06
1.32
Revenue Growth (3Y)(%) 4.50
HFWA's Revenue Growth (3Y)(%) is ranked higher than
58% of the 1369 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.90 vs. HFWA: 4.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
HFWA' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 2.00 Max: 28.2
Current: 4.5
0
28.2
EBITDA Growth (3Y)(%) 12.20
HFWA's EBITDA Growth (3Y)(%) is ranked higher than
68% of the 1263 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. HFWA: 12.20 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
HFWA' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 6.90 Max: 113.2
Current: 12.2
0
113.2
EPS Growth (3Y)(%) 12.30
HFWA's EPS Growth (3Y)(%) is ranked higher than
63% of the 1248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. HFWA: 12.30 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
HFWA' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -23.3  Med: 10.80 Max: 36.2
Current: 12.3
-23.3
36.2
» HFWA's 10-Y Financials

Financials (Next Earnings Date: Est. 2016-07-23)


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q1 2015

HFWA Guru Trades in Q1 2015

Jim Simons 48,189 sh (+57.48%)
First Pacific Advisors 275,000 sh (unchged)
» More
Q2 2015

HFWA Guru Trades in Q2 2015

Jim Simons 61,100 sh (+26.79%)
First Pacific Advisors 275,000 sh (unchged)
» More
Q3 2015

HFWA Guru Trades in Q3 2015

NWQ Managers 901,215 sh (New)
Jim Simons 95,000 sh (+55.48%)
First Pacific Advisors Sold Out
» More
Q4 2015

HFWA Guru Trades in Q4 2015

NWQ Managers 1,775,338 sh (+96.99%)
Jim Simons 147,700 sh (+55.47%)
» More
» Details

Insider Trades

Latest Guru Trades with HFWA

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Ratios

vs
industry
vs
history
P/E(ttm) 15.05
HFWA's P/E(ttm) is ranked lower than
62% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.56 vs. HFWA: 15.05 )
Ranked among companies with meaningful P/E(ttm) only.
HFWA' s P/E(ttm) Range Over the Past 10 Years
Min: 8.06  Med: 16.36 Max: 505.16
Current: 15.05
8.06
505.16
Forward P/E 13.37
HFWA's Forward P/E is ranked lower than
73% of the 368 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.76 vs. HFWA: 13.37 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 14.92
HFWA's PE(NRI) is ranked lower than
61% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.56 vs. HFWA: 14.92 )
Ranked among companies with meaningful PE(NRI) only.
HFWA' s PE(NRI) Range Over the Past 10 Years
Min: 8.04  Med: 16.34 Max: 522
Current: 14.92
8.04
522
Price/Owner Earnings (ttm) 10.71
HFWA's Price/Owner Earnings (ttm) is ranked higher than
58% of the 880 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.31 vs. HFWA: 10.71 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
HFWA' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 6.06  Med: 12.50 Max: 335.87
Current: 10.71
6.06
335.87
P/B 1.15
HFWA's P/B is ranked lower than
60% of the 1642 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. HFWA: 1.15 )
Ranked among companies with meaningful P/B only.
HFWA' s P/B Range Over the Past 10 Years
Min: 0.71  Med: 1.14 Max: 2.68
Current: 1.15
0.71
2.68
P/S 3.43
HFWA's P/S is ranked lower than
59% of the 1637 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.93 vs. HFWA: 3.43 )
Ranked among companies with meaningful P/S only.
HFWA' s P/S Range Over the Past 10 Years
Min: 1.3  Med: 3.04 Max: 6.93
Current: 3.43
1.3
6.93
PFCF 11.13
HFWA's PFCF is ranked lower than
53% of the 858 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.68 vs. HFWA: 11.13 )
Ranked among companies with meaningful PFCF only.
HFWA' s PFCF Range Over the Past 10 Years
Min: 4.92  Med: 10.56 Max: 133.11
Current: 11.13
4.92
133.11
POCF 10.75
HFWA's POCF is ranked lower than
59% of the 975 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.20 vs. HFWA: 10.75 )
Ranked among companies with meaningful POCF only.
HFWA' s POCF Range Over the Past 10 Years
Min: 4.24  Med: 9.54 Max: 97.41
Current: 10.75
4.24
97.41
EV-to-EBIT 8.61
HFWA's EV-to-EBIT is ranked higher than
74% of the 1503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.40 vs. HFWA: 8.61 )
Ranked among companies with meaningful EV-to-EBIT only.
HFWA' s EV-to-EBIT Range Over the Past 10 Years
Min: -1.6  Med: 8.70 Max: 411.4
Current: 8.61
-1.6
411.4
EV-to-EBITDA 6.54
HFWA's EV-to-EBITDA is ranked higher than
80% of the 1507 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.24 vs. HFWA: 6.54 )
Ranked among companies with meaningful EV-to-EBITDA only.
HFWA' s EV-to-EBITDA Range Over the Past 10 Years
Min: -186.4  Med: 6.50 Max: 24.8
Current: 6.54
-186.4
24.8
PEG 1.74
HFWA's PEG is ranked lower than
66% of the 724 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. HFWA: 1.74 )
Ranked among companies with meaningful PEG only.
HFWA' s PEG Range Over the Past 10 Years
Min: 0.48  Med: 1.54 Max: 16.78
Current: 1.74
0.48
16.78
Shiller P/E 18.66
HFWA's Shiller P/E is ranked lower than
56% of the 504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.22 vs. HFWA: 18.66 )
Ranked among companies with meaningful Shiller P/E only.
HFWA' s Shiller P/E Range Over the Past 10 Years
Min: 7.42  Med: 11.68 Max: 19.5
Current: 18.66
7.42
19.5

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.37
HFWA's Dividend Yield is ranked lower than
63% of the 2098 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.90 vs. HFWA: 2.37 )
Ranked among companies with meaningful Dividend Yield only.
HFWA' s Dividend Yield Range Over the Past 10 Years
Min: 0.23  Med: 2.27 Max: 7.47
Current: 2.37
0.23
7.47
Dividend Payout 0.35
HFWA's Dividend Payout is ranked lower than
52% of the 1273 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. HFWA: 0.35 )
Ranked among companies with meaningful Dividend Payout only.
HFWA' s Dividend Payout Range Over the Past 10 Years
Min: 0.19  Med: 0.42 Max: 0.82
Current: 0.35
0.19
0.82
Dividend Growth (3y) 12.70
HFWA's Dividend Growth (3y) is ranked higher than
63% of the 742 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.80 vs. HFWA: 12.70 )
Ranked among companies with meaningful Dividend Growth (3y) only.
HFWA' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 14.70 Max: 73.5
Current: 12.7
0
73.5
Forward Dividend Yield 2.60
HFWA's Forward Dividend Yield is ranked lower than
62% of the 1965 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.74 vs. HFWA: 2.60 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.38
HFWA's Yield on cost (5-Year) is ranked lower than
67% of the 2495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.43 vs. HFWA: 2.38 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
HFWA' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 0.23  Med: 2.27 Max: 7.47
Current: 2.38
0.23
7.47
3-Year Average Share Buyback Ratio -25.50
HFWA's 3-Year Average Share Buyback Ratio is ranked lower than
91% of the 1112 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. HFWA: -25.50 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
HFWA' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -32.6  Med: -1.50 Max: 11.7
Current: -25.5
-32.6
11.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.57
HFWA's Price/Tangible Book is ranked lower than
73% of the 1634 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. HFWA: 1.57 )
Ranked among companies with meaningful Price/Tangible Book only.
HFWA' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.99  Med: 1.57 Max: 2.57
Current: 1.57
0.99
2.57
Price/Projected FCF 0.76
HFWA's Price/Projected FCF is ranked lower than
61% of the 885 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. HFWA: 0.76 )
Ranked among companies with meaningful Price/Projected FCF only.
HFWA' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.44  Med: 0.77 Max: 1.29
Current: 0.76
0.44
1.29
Price/Median PS Value 1.12
HFWA's Price/Median PS Value is ranked lower than
67% of the 1548 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.01 vs. HFWA: 1.12 )
Ranked among companies with meaningful Price/Median PS Value only.
HFWA' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.57  Med: 1.13 Max: 3.76
Current: 1.12
0.57
3.76
Price/Graham Number 1.03
HFWA's Price/Graham Number is ranked lower than
68% of the 1461 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. HFWA: 1.03 )
Ranked among companies with meaningful Price/Graham Number only.
HFWA' s Price/Graham Number Range Over the Past 10 Years
Min: 0.79  Med: 1.07 Max: 1.65
Current: 1.03
0.79
1.65
Earnings Yield (Greenblatt) (%) 11.66
HFWA's Earnings Yield (Greenblatt) (%) is ranked higher than
76% of the 1644 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. HFWA: 11.66 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
HFWA' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.2  Med: 11.40 Max: 3249.6
Current: 11.66
0.2
3249.6
Forward Rate of Return (Yacktman) (%) 13.46
HFWA's Forward Rate of Return (Yacktman) (%) is ranked higher than
51% of the 843 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.13 vs. HFWA: 13.46 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
HFWA' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -30.9  Med: 13.35 Max: 65
Current: 13.46
-30.9
65

More Statistics

Revenue(Mil) $161
EPS $ 1.23
Beta0.44
Short Percentage of Float3.14%
52-Week Range $16.42 - 19.80
Shares Outstanding(Mil)29.97

Analyst Estimate

Dec16 Dec17
Revenue(Mil) 161 169
EPS($) 1.25 1.38
EPS without NRI($) 1.25 1.38

Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:LKFN, OTCPK:FMBL, NYSE:BANC, NAS:STBZ, NAS:ORIT, NAS:NFBK » details
Heritage Financial Corp is a bank holding company that was incorporated in the State of Washington in August 1997. The Company is primarily engaged in the business of planning, directing, and coordinating the business activities of its wholly owned subsidiary Heritage Bank. The deposits of the Bank are insured by the FDIC. Heritage Bank conducts business in its thirty-five branch offices located in Washington and the greater Portland, Oregon area. Its business consists primarily of lending and deposit relationships with small businesses and their owners, and attracting deposits from the general public. It also makes real estate construction and land development loans, one-to-four family residential loans, and consumer loans. It offers deposit accounts designed to attract both short-term and long-term deposits. These accounts include noninterest demand accounts, negotiable order of withdrawal accounts, money market accounts, savings accounts and certificates of deposit. The Company is subject to extensive Federal and Washington State legislation, regulation, and supervision. The Company competes for loans and deposits with other commercial banks, credit unions, mortgage bankers, and other institutions in the scope and type of services offered, interest rates paid on deposits, pricing of loans, and number and locations of branches, among other things.
» More Articles for NAS:HFWA

Headlines

Articles On GuruFocus.com
NWQ Managers Makes 10 New Buys in 3rd Quarter Dec 16 2015 
Heritage Financial Corp. Reports Operating Results (10-K) Mar 04 2011 
Heritage Financial Corp. Reports Operating Results (10-Q) Nov 08 2010 
Heritage Financial Corp. Reports Operating Results (10-Q) Aug 03 2010 
Heritage Financial Corp. Reports Operating Results (10-Q) May 04 2010 
Heritage Financial Corp. (HFWA) Chairman Donald V Rhodes sells 5,000 Shares Feb 25 2010 
Heritage Financial Corp. (HFWA) Chairman Donald V Rhodes sells 3,000 Shares Feb 18 2010 
Heritage Financial Corp. (HFWA) Chairman Donald V Rhodes sells 17,000 Shares Feb 12 2010 
Heritage Financial Corp. Reports Operating Results (10-Q) May 11 2009 

More From Other Websites
Heritage Bank Appoints Thomas Henning as Executive Vice President, Chief Risk Officer May 02 2016
Heritage Bank Appoints Thomas Henning as Executive Vice President, Chief Risk Officer May 02 2016
Heritage Financial Corp. (Washington) :HFWA-US: Earnings Analysis: Q1, 2016 By the Numbers Apr 27 2016
HERITAGE FINANCIAL CORP /WA/ Files SEC form 8-K, Results of Operations and Financial Condition,... Apr 22 2016
Edited Transcript of HFWA earnings conference call or presentation 21-Apr-16 6:00pm GMT Apr 21 2016
Heritage Financial Announces First Quarter 2016 Results And Declares Regular Cash Dividend Apr 21 2016
Heritage Financial meets 1Q profit forecasts Apr 21 2016
Heritage Financial meets 1Q profit forecasts Apr 21 2016
Heritage Financial Announces First Quarter 2016 Results And Declares Regular Cash Dividend Apr 21 2016
Q1 2016 Heritage Financial Corp Earnings Release - Before Market Open Apr 21 2016
Discover Financial (DFS) Q1 Earnings: Will it Disappoint? Apr 15 2016
Heritage Financial Announces Earnings Release Date and Conference Call Mar 28 2016
Heritage Financial Announces Earnings Release Date and Conference Call Mar 28 2016
HERITAGE FINANCIAL CORP /WA/ Financials Mar 16 2016
HERITAGE FINANCIAL CORP /WA/ Files SEC form 10-K, Annual Report Mar 10 2016
Long-time Heritage Bank client, Northwest Etch, recognized by the U.S. Small Business Administration Mar 07 2016
Heritage Financial Corp. (Washington) breached its 50 day moving average in a Bullish Manner :... Mar 04 2016
Heritage Bank Promotes Cindy Huntley to Executive Vice President Feb 29 2016
HERITAGE FINANCIAL CORP /WA/ Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... Feb 12 2016
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